Home > First Merchants Bank of Central Indiana > Performance and Condition Ratios
First Merchants Bank of Central Indiana, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5243% | 4,485 |
| Cost of funding earning assets | 1.5727% | 5,830 |
| Net interest margin | 3.9516% | 2,885 |
| Noninterest income to average assets | 0.7633% | 2,633 |
| Noninterest expense to average assets | 2.6273% | 5,627 |
| Loan and lease loss provision to assets | 3.1977% | 458 |
| Net operating income to assets | -1.0698% | 7,031 |
| Return on assets (ROA) | -0.9811% | 6,965 |
| Pretax return on assets | -1.4691% | 7,076 |
| Return on Equity (ROE) | -8.5349% | 6,936 |
| Retained earnings to average equity (ytd only) | -8.5349% | 6,725 |
| Net charge-offs to loans | 1.7038% | 1,109 |
| Credit loss provision to net charge-offs | 249.8060% | 1,868 |
| Earnings coverage of net charge-offs (x) | 1.2470% | 4,600 |
| Efficiency ratio | 58.4114% | 6,783 |
| Assets per employee ($millions) | 5.7120% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8514% | 648 |
| Loan loss allowance to noncurrent loans | 64.7717% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 3.6994% | 1,664 |
| Noncurrent loans to loans | 4.4023% | 1,472 |
| Net loans and leases to total assets | 74.5391% | 2,562 |
| Net loans and leases to deposits | 108.4078% | 631 |
| Net loans and leases to core deposits | 127.4515% | 1,748 |
| Total domestic deposits to total assets | 68.7580% | 7,570 |
| Equity capital to assets | 13.2327% | 1,586 |
| Core capital (leverage) ratio | 10.4035% | 2,900 |
| Tier 1 risk-based capital ratio | 13.1499% | 4,038 |
| Total risk-based capital ratio | 14.3835% | 3,967 |
| Memoranda: | ||
| Average total assets | $1,167,888,000 | 592 |
| Average earning assets | $1,022,674,670 | 607 |
| Average equity | $134,248,330 | 516 |
| Average total loans | $877,430,000 | 571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6322% | 4,160 |
| Cost of funding earning assets | 1.4676% | 6,514 |
| Net interest margin | 4.1646% | 2,033 |
| Noninterest income to average assets | 0.7738% | 2,461 |
| Noninterest expense to average assets | 2.4247% | 6,113 |
| Loan and lease loss provision to assets | 0.3630% | 3,145 |
| Net operating income to assets | 1.1696% | 1,741 |
| Return on assets (ROA) | 1.3333% | 1,401 |
| Pretax return on assets | 2.1399% | 503 |
| Return on Equity (ROE) | 15.8377% | 848 |
| Retained earnings to average equity (ytd only) | 15.8377% | 351 |
| Net charge-offs to loans | 0.2479% | 3,167 |
| Credit loss provision to net charge-offs | 174.5455% | 2,470 |
| Earnings coverage of net charge-offs (x) | 10.8061% | 1,920 |
| Efficiency ratio | 51.8748% | 7,434 |
| Assets per employee ($millions) | 4.8822% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,614 |
| Loan loss allowance to noncurrent loans | 74.8108% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.1714% | 2,644 |
| Noncurrent loans to loans | 1.4420% | 4,135 |
| Net loans and leases to total assets | 81.5584% | 1,088 |
| Net loans and leases to deposits | 100.9763% | 1,281 |
| Net loans and leases to core deposits | 118.3642% | 2,562 |
| Total domestic deposits to total assets | 80.7698% | 5,058 |
| Equity capital to assets | 8.4083% | 6,217 |
| Core capital (leverage) ratio | 8.6688% | 5,213 |
| Tier 1 risk-based capital ratio | 10.8544% | 6,036 |
| Total risk-based capital ratio | 11.9985% | 6,048 |
| Memoranda: | ||
| Average total assets | $317,399,000 | 2,173 |
| Average earning assets | $297,076,500 | 2,139 |
| Average equity | $26,721,000 | 2,510 |
| Average total loans | $266,288,500 | 1,866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4659% | 3,134 |
| Cost of funding earning assets | 2.0524% | 6,228 |
| Net interest margin | 4.4134% | 1,649 |
| Noninterest income to average assets | 0.6804% | 3,245 |
| Noninterest expense to average assets | 2.3943% | 6,414 |
| Loan and lease loss provision to assets | 0.4656% | 2,970 |
| Net operating income to assets | 1.2154% | 1,729 |
| Return on assets (ROA) | 1.2154% | 1,675 |
| Pretax return on assets | 1.9636% | 673 |
| Return on Equity (ROE) | 13.6196% | 1,182 |
| Retained earnings to average equity (ytd only) | -2.5898% | 6,015 |
| Net charge-offs to loans | 0.4753% | 2,459 |
| Credit loss provision to net charge-offs | 111.1994% | 4,846 |
| Earnings coverage of net charge-offs (x) | 5.8022% | 3,527 |
| Efficiency ratio | 49.6174% | 7,687 |
| Assets per employee ($millions) | 4.7359% | 2,273 |
| Cash dividends to net income (ytd only)* | 119.0150% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,794 |
| Loan loss allowance to noncurrent loans | 52.4775% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.9090% | 2,569 |
| Noncurrent loans to loans | 1.9584% | 2,815 |
| Net loans and leases to total assets | 84.5135% | 807 |
| Net loans and leases to deposits | 105.7358% | 1,147 |
| Net loans and leases to core deposits | 116.9509% | 3,010 |
| Total domestic deposits to total assets | 79.9290% | 5,049 |
| Equity capital to assets | 8.4295% | 6,207 |
| Core capital (leverage) ratio | 8.4145% | 5,729 |
| Tier 1 risk-based capital ratio | 10.3292% | 6,388 |
| Total risk-based capital ratio | 11.4152% | 6,417 |
| Memoranda: | ||
| Average total assets | $300,717,000 | 2,202 |
| Average earning assets | $282,297,000 | 2,158 |
| Average equity | $26,836,400 | 2,490 |
| Average total loans | $264,872,400 | 1,803 |